Morningstar

EML Payments Ltd EML

Morningstar Rating
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Stock XASX Rating as of
A$0.66 −0.01 (1.50%)
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As of Delayed Price Closed

Company Report

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EML Payments Earnings: Earnings Recovery Progressing

Shaun Ler

No-moat EML Payments’ fiscal 2024 results slightly exceeded our forecast, with underlying EBITDA rising to AUD 57 million from AUD 37 million in the prior year, beating our expectations by 3% and landing near the top end of guidance. The AUD 57 million includes the now-liquidated Irish reloadable cards business, PCSIL. Excluding PCSIL, EBITDA is AUD 49 million for the year.

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Price vs Fair Value

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EML is trading at a 296% premium.
Price
A$0.66
Fair Value
A$5.00
Uncertainty
Very High
1-Star Price
A$9.19
5-Star Price
A$5.90
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

EML’s revenue stream is resilient. It actively extends its capabilities into new product lines, some of which are sold to high-quality customers like governments and systematically important banks.

Bears

Many of EML's solutions appear to address friction points that aren't mission-critical, which we think limits switching costs.

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Trading Information

Previous Close Price
A$0.67
Day Range
A$0.66–0.69
52-Week Range
A$0.61–1.28
Bid/Ask
A$0.65 / A$0.68
Market Cap
A$246.54 Mil
Volume/Avg
1.0 Mil / 1.9 Mil

Key Statistics

Price/Earnings (Normalized)
29.06
Price/Sales
1.46
Dividend Yield (Trailing)
0.00%
Dividend Yield (Forward)
0.00%
Total Yield
—

Company Profile

EML Payments is a financial technology company that operates across North America, Europe, and Australia. The firm builds the infrastructure for a customer to facilitate/accept payments via a prepaid card or in real-time. It makes money primarily via clipping a fee on payment transactions. It also earns fees from breakage, inactive accounts, cash establishments and interest on debit volumes. EML’s payment solutions cater to a variety of applications including payouts, gifts, incentives, rewards, supplier payments, and more. The firm operates in three segments: gift and incentive, general purpose reloadable, and digital payments.
Sector
Technology
Industry
Software - Infrastructure
Stock Style Box
Small Value
Total Number of Employees
640
Website
https://www.emlpayments.com

Competitors

Valuation

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Metric
EML
MA
FI
Price/Earnings (Normalized)
 29.0636.6521.86
Price/Book Value
 1.5561.613.66
Price/Sales
 1.4617.525.40
Price/Cash Flow
 17.4430.9216.59
Price/Earnings
EML
MA
FI

Financial Strength

Metric
EML
MA
FI
Quick Ratio
 0.780.740.12
Current Ratio
 0.801.141.06
Interest Coverage
 −8.1225.224.86
Quick Ratio
EML
MA
FI

Profitability

Metric
EML
MA
FI
Return on Assets (Normalized)
 −0.11%30.62%5.56%
Return on Equity (Normalized)
 −1.82%188.89%16.66%
Return on Invested Capital (Normalized)
 −13.09%58.68%10.65%
Return on Assets
EML
MA
FI

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